Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-11-20-Speech-2-305-250"

Predicate	Value (sorted: default)
rdf:type	lpv_eu:Speech2
dcterms:Date	"2012-11-20"^^xsd:date2
dcterms:Is Part Of	lp_eu:Explanations of vote2
dcterms:Language	"pt"^^xsd:language2
lpv:document identification number	"en.20121120.28.2-305-250"2
lpv:hasSubsequent	lp_eu:2012-11-20-Speech-2-305-5002
lpv:speaker	lp:Maria do Céu Patrão Neves2
lpv:spokenAs	member; EPP (2009-07-14--2014-06-30)3 unknown; Partido Social Democrata (2009-07-14--2014-06-30)3 substitute; AGRI (2012-01-19--2014-06-30)3 member; PECH (2012-01-19--2014-06-30)3 member; Delegation for relations with Canada (2009-09-16--2014-06-30)3 substitute; Delegation to the ACP-EU Joint Parliamentary Assembly (2009-09-16--2014-06-30)3
lpv:translated text	". I voted in favour of this report on the Consumer Credit Directive, which has two objectives: guaranteeing a high level of consumer protection and strengthening the internal market in cross-border consumer credit. The definitive harmonisation of some key aspects of credit law has significantly raised the level of consumer protection in Europe. The increase in the cross-border take-up of consumer credit would seem to have been insignificant, however. This may be because only very few financial institutions offer cross-border consumer credit and because the market as a whole has been in decline in recent years as a result of the financial crisis. What is more, the obstacles to the take-up of cross-border consumer credit are more likely to be linked to the language barrier or to the lack of any personal relationship with the financial institution concerned than to legal considerations. This revision seeks to resolve some problems noted during the review, namely: advertising, pre-contractual information, contractual information, right of withdrawal, early repayment and calculation of the annual percentage rate of charge."@en1

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